Auto Insurance - Part One | @AmFam® - YouTube

Everyday your car takes you from point A to point B

and all kinds of places in between.

You're headed to school, to pick up your kids, work, or the store for groceries.

Or maybe you're planning to visit friends, take a weekend camping trip,

or hit the road for the holidays to be with loved ones.

You're on the road following your dreams.

And if something happens along the way

American Family may be able to help you with automobile insurance coverage.

Why auto insurance?

Well, accidents happen- even to the best of drivers.

If you have an accident auto insurance can help cover the costs to

repair your vehicle or medical expenses.

Insurance may also protect you financially should you cause an accident,

property damage, or injuries to other people involved in the accident.

Now lets take a look at the main types of automobile insurance coverage

provided by American Family Insurance.

Coverage includes bodily injury liability and property damage liability.

Bodily injury covers the drivers and passengers of the other vehicle

if you are at fault in an auto accident.

Property coverage liability covers damage to someone else's property

if you were at fault in an auto accident.

Usually, this means damage to someone else's car.

But it can also include damage to other types of property, such as mailboxes and fences.

Most states require liability coverage.

Check with an American Family Insurance agent to see if it's required in your state.

Either way, the coverage provides additional financial protection.

Now lets take a look at some more types of automobile insurance coverage.

Uninsured motorist coverage protects you if you are injured in an accident

and the other driver is uninsured.It also protects you if you

are a victim of a hit and run driver, or if you were struck by

an uninsured vehicle as a pedestrian.

If the other driver does have insurance, damage may be more

than what the insurance covers.

In this case, your underinsured motorist protection may help pay for the balance.

Some states require underinsured and uninsured motorist protection.

Either way, the coverage provides additional financial protection.

Check with an American Family Insurance agent.

Medical includes medical expense and personal injury protection.

The types of coverage vary depending on the state where you live.

Medical expense helps pay for medical care provided to you

and your passengers as a result of a covered auto accident

regardless of which driver is at fault.

Personal injury protection helps reimburse you and your passengers

for lost income, child care expenses, medical and other expenses

if you're hurt in a covered accident

regardless of which driver is at fault.

Two more main types of coverage include collision and comprehensive.

Collision covers accidental damages caused by collision or rollovers

regardless of who is at fault.

Collision coverage is subject to the deductible.

A deductible is a predetermined dollar amount for certain coverages

such as collision and comprehensive, that you, our customer,

agrees to be responsible for before the insurance company begins to pay.

The amount is determined by you and your agent

when you apply for your policy.

Comprehensive covers damage or loss to your vehicle

caused by anything other than a collision or rollover-

such as a fire, theft, vandalism, hail, or a flood.

Comprehensive also covers damage from hitting an animal,

such as a bird or deer.

And if your car is stolen comprehensive may cover expenses

related to it's return to you.

For an additional charge, you can extend the coverage to include custom equipment-

such as sound systems and certain electronic devices.

Comprehensive is also subject to a deductible amount you choose.

OK, we've covered the main types of automobile insurance coverage.

However, there's more to consider, including ways to possibly

save money through our discounts.

Contact an American Family Insurance Agent to

see which discounts may apply to you.

We can also provide information about additional protection provided by

an umbrella policy, recreational vehicles protection,

our repair program, windshield repair, emergency roadside service,

auto rental reimbursement, auto lease or loan protection,

accidental death and dismemberment and the teen safe driver program.

So, are you ready to get started?

Want to find out more about our auto insurance coverage

and how American Family and our agents can

help protect your dreams?

Visit amfam.com or call 1-800-MY AMFAM, 1-800-692-6326 to find an agent.

American Family Insurance is your American Dream Insurance.

Your dream is out there.

Go get it.

We'll protect it.